I can help you obtain a private nationwide PPO in South Carolina. For Grand Strand investors with vacation condos and long-term rentals, here's how to match health coverage to income that changes with the seasons.
Hi, I'm Sam Jaber. I hold broker licenses in 36 states and help South Carolina investors and rental-property owners find insurance by phone.
Consider a Surfside Beach investor with five beachfront condos rented weekly through a local property manager and two long-term rentals in Conway. Most of her annual rent comes in between June and August. Golfers and snowbirds bring some business in fall and winter, followed by quieter months. She's thinking of selling a condo whose value has nearly doubled. Because she gets insurance through HealthCare.gov, whether she's holding or selling that year makes a real difference in which plan fits.
In 2026, three insurers offer 48 individual medical plans on the Horry County marketplace. That includes 26 HMOs, 13 EPOs and 9 PPOs. Without a subsidy, a 40-year-old would find the lowest-priced silver PPO 24% more expensive than the lowest-priced silver HMO.
I can arrange nationwide PPO coverage outside the South Carolina marketplace. The insurer bases the premium on your health, and its national network can serve you when visiting relatives, traveling or checking on property in another state.
HealthCare.gov looks at rental profit rather than gross rent. Deduct management fees, cleaning, HOA charges, condo assessments, repairs, insurance, interest and depreciation, then include the household's other earnings. Premium credits are available through four times the federal poverty level.
Investors can see income change sharply in either direction. A property sale adds a gain to modified adjusted gross income, which determines premium credits. But South Carolina hasn't expanded Medicaid, so adults without children generally aren't eligible, while marketplace credits usually require at least 100% of the poverty level. Large repair and depreciation deductions can leave a household with income too low for either kind of help.
To receive premium credits, purchase through HealthCare.gov. The amount is based on a benchmark silver plan, leaving you to cover the PPO's additional 24%. An HMO or EPO usually offers better value if your physicians participate in its Grand Strand network. But if you see doctors in Wilmington or Charlotte, or live elsewhere part of the year, paying for PPO out-of-network benefits may make sense.
Next step: Give me your physicians' names and last year's Schedule E. I'll show you Horry County plan prices after your credit.
A condo sale could put your income well above the credit threshold. If advance credits were based on a lower estimate, you'll repay the excess when filing your return. For tax years after 2025, that repayment has no cap. Choose your coverage before putting the condo on the market.
If you're healthy and paying unsubsidized premiums, private insurance often deserves a close look. The company checks your medical answers and may approve you, deny coverage or approve with a particular condition excluded. Healthy applicants frequently pay less than marketplace full prices while getting a nationwide network. I'll compare benefits with you before you decide.
Next step: Before listing the condo, call me. I'll compare a nationwide PPO quote with unsubsidized HealthCare.gov prices for your sale year.
Suppose a roof replacement during hurricane season and weak winter bookings push rental profit near the poverty threshold. Review your estimate before enrolling. Marketplace credits generally stop below 100%, and South Carolina Medicaid usually isn't available to adults without children at home. Careful income planning, including sale timing, can help avoid that gap.
Next step: If rental income is unusually low, give me a call before enrolling. We'll review where your household stands.
Straight answers, no sales pitch.
Yes. Horry County offers nine marketplace PPOs. Its least expensive silver PPO is priced 24% higher than its least expensive silver HMO.
Yes. Your net rental earnings are included in the household income HealthCare.gov uses.
Yes. With no Medicaid expansion in South Carolina and premium credits generally beginning at 100% of the federal poverty level, a gap is possible.
Yes. I can help investors in good health purchase a private nationwide PPO.
Tell me your county, who needs insurance, what last year's Schedule E showed and whether you're planning to sell. I'll compare actual prices and help match coverage to your year.
The guide for every state, and other work I help with